Comparison

Paytm vs BOB Mobile Banking

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Paytm

This app facilitates secure digital payments and money transfers across India and internationally. It offers features like personalized UPI IDs, transaction privacy controls, and convenient bill payments and recharges. Users can also track spending and manage bank balances easily.

Highlights
  • Secure UPI money transfer
  • Personalized UPI IDs
  • Hide/Unhide payment visibility
  • Download UPI statements in Excel/PDF
  • Spend analytics and tracking
  • International UPI payments
  • Mobile and DTH recharges
  • Utility bill payments
Features
Read full description

Paytm (पेटीएम) - Built for India. Trusted by 50 Crore+ Indians. We pioneered mobile payments, QR codes, Soundbox, and in-store devices in India - and we continue to lead with innovation. In the BHIM UPI ecosystem, Paytm is the only UPI app that builds features based on real user needs. From personalised UPI IDs and privacy-first controls to widgets, bank balance visibility, and Excel UPI statements, we innovate to make digital payments smarter, safer, and more private - only on Paytm. Paytm UPI now works internationally in UAE, Singapore, France, Mauritius, Bhutan, Sri Lanka, and Nepal - making it easy for Indian travellers to send money or pay abroad instantly. Why Paytm? ● India's safest, most secure UPI money transfer app ● Powered by top Indian banks ● Built-in privacy: hide/unhide payments, personalised UPI ID, QR scan without sharing number, no OTP card swipes Innovations Only on Paytm UPI 1. Hide & Unhide Payments - Only you control your transaction visibility. 2. Personalised UPI ID - Choose name@ptyes or name@ptaxis instead of revealing your number. 3. Download UPI Statements in Excel + PDF - Great for tracking, accounting, or tax filing. 4. Spend Analytics - Categorised spend insights, month-on-month tracking. 5. Total UPI Bank Balance - View balances across all linked accounts instantly (only for Paytm users). 6. Receive Money Widget - Coin sound & notification every time you receive a payment. 7. Scan & Pay Widget - Scan QR right from your home screen. 8. Smart Bank Transfer Autofill - Copy-paste account info from WhatsApp, Paytm fills it correctly. 9. Auto Top-Up for UPI Lite - Never run out of Lite balance with automated top-ups. 10. Self Transfers - Move money between your own bank accounts instantly. Payment Methods – UPI Your Way ● Paytm UPI - Send and receive money using just a mobile number. Scan any QR code, pay at shops, and more. ● Paytm UPI Lite - PIN-less payments up to ₹4,000/day. Works even when banks are down. Auto top-up and clutter-free bank statements. ● RuPay Credit Card on UPI - Link your RuPay card and pay via UPI. No OTP, no CVV. Earn rewards at shops and online. ● UPI AutoPay - Enable recurring payments for subscriptions, SIPs, rent, and more. Recharges, Utility Bill Payments & More ● Recharge mobile (prepaid/postpaid) with Jio, Airtel, VI, MTNL, BSNL ● DTH (TataPlay, Sun Direct, Airtel Digital TV, etc.) ● Electricity, water, gas, broadband, insurance, FASTag, challans, EMIs & more Pay at Online Stores ● 100+ apps supported - food delivery, grocery, shopping & OTT Set UPI PIN ● Secure every transaction. 4 or 6-digit UPI PIN setup required. Rent Payments Made Easy ● Pay your rent directly via UPI or using your RuPay credit card on Paytm. Earn rewards, get reminders, and download monthly payment receipts - all in one tap. Paytm Card Machines (Soundbox + Swipe) Merchants across India now accept Paytm card machines. You can: ● Scan QR and pay ● Swipe credit/debit cards securely All with real-time payment confirmation via iconic Paytm sound. Personal Loans on Paytm (only available to users in India) ● Loan: ₹50,000 to ₹25,00,000 ● Loan Tenure: 6–60 months ● Loan Interest Rate: 10.99%–35% p.a. ● Loan Processing Fee: 0–6% Example: ₹1,00,000 @23% for 18 months, 4.25% fee. EMI = ₹6,621. Total Payable = ₹1,19,186 Lending Partners: Aditya Birla Capital, Axis Bank, Credit Saison, Fibe, Hero FinCorp, IDFC FIRST Bank, InstaMoney, KreditBee, Piramal Finance, Poonawalla Fincorp, SMFG India, Tata Capital, Kissht (Ring), InCred Check Credit Score for Free to Get Instant Cash Loan Travel Made Easy ● Trains: IRCTC-authorised e-ticket partner - booking, PNR, cancellations, live train status ● Buses: Instant ticketing with major operators ● Flights: Compare fares, book and manage trips easily Contact Us One97 Communications Ltd. One Skymark, Tower-D, Plot No. H-10B, Sector-98, Noida, UP 201304 Paytm Money Ltd. is a wholly owned subsidiary of One97 Communications Ltd., registered with SEBI & PFRDA.

About

BOB Mobile Banking

Manage your finances on the go with this mobile banking app. Check balances, transfer funds between accounts, pay bills, and deposit checks remotely. Easily locate nearby branches and ATMs.

Highlights
  • Check account balances
  • Search recent transactions
  • Transfer funds between accounts
  • Schedule one-time bill payments
  • Deposit checks remotely
  • Find nearby branches and ATMs
Features
Read full description

Start banking wherever you are with BOB Mobile for iPad and iPhone! Available to all Bank of Bourbonnais online banking customers, BOB Mobile allows you to check balances, make transfers, pay bills, make deposits, and find locations. Available features include: Accounts - Check your latest account balance and search recent transactions by date, amount, or check number. Transfers - Easily transfer cash between your accounts. Bill Pay -Schedule one time payments Check Deposit - Deposit checks while on the go. Locations - Find nearby Branches and ATMs using the iPhone's built-in GPS. Additionally, you can search by zip code or address. All features may not be available in the tablet application.

Screenshots

Paytm4 screens
BOB Mobile Banking4 screens

Verdict

The call

The clearest difference is review sentiment: BOB Mobile Banking at 100% against Paytm's 39%. BOB Mobile Banking also leads on ads (none vs shown) and monetization model (free vs ad-supported). Paytm's advantage is update cadence (every 5 days vs monthly) and rating (4.7 vs 4.3). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Paytm holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: Paytm has 41K ratings behind it against 29, so its average is the more settled of the two. Written reviews complicate that: 39% of Paytm's written reviews are positive against 100% of BOB Mobile Banking's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Paytm ships an update every 5 days, BOB Mobile Banking monthly. The most recent releases landed on November 13, 2026 and November 6, 2026 respectively.

Scorecard6 real differences · 4 level
Paytm versus BOB Mobile Banking: the parameters behind the verdict, then further details
ParameterPaytmBOB Mobile Banking
PriceFreeFree
Rating4.7 (41K ratings) — better4.3 (29 ratings)
Positive reviews38.6% of reviews100.0% of reviews — better
Number of ratings41K — better29
Update frequencyEvery 5 days — betterMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.515.0 — better
Further details — not scored
Size382 MB148 MB
Age rating4+4+
DeveloperPaytm Mobile SolutionsBank of Bourbonnais

Customer experience

Paytm

All ratings40,920 ratings
Positive92.8%
Neutral3.3%
Negative3.8%
Written reviews383 reviews
Positive38.6%
Neutral4.4%
Negative56.9%

BOB Mobile Banking

All ratings23 ratings
Positive78.3%
Neutral4.3%
Negative17.4%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Paytm

Reported bugs

4 issues
  • App crashes and freezes
  • Transaction failures
  • Incorrect bill details
  • Incompatibility with newer OS versions

Requested features

4 requests
  • Support for international numbers
  • Improved customer support channels
  • Streamlined KYC process
  • Dark mode option

BOB Mobile Banking

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Paytm

No in-app purchases

None

BOB Mobile Banking

No in-app purchases

Questions

Is Paytm free?
Paytm is free to download, with no in-app purchases.
Is BOB Mobile Banking free?
BOB Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, Paytm or BOB Mobile Banking?
Paytm is rated higher. Paytm averages 4.7 out of 5 from 41K ratings, while BOB Mobile Banking averages 4.3 from 29 ratings.
Do Paytm or BOB Mobile Banking have ads?
Paytm shows ads; BOB Mobile Banking does not.
Which is updated more often, Paytm or BOB Mobile Banking?
Paytm ships an update every 5 days, and BOB Mobile Banking monthly. Most recently, Paytm was updated on November 13, 2026 and BOB Mobile Banking on November 6, 2026.

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